First Time Buyers Insurance

InsuraHome's First Time Buyers Insurance is designed for buildings that fall into the definition of 'Standard Construction', which includes homes made of brick, stone, or concrete with roofs that are tiled, asphalt, metal, or concrete.

Buildings, Contents, or Buildings and Contents cover available
First Time Buyer Discount
Fast, Friendly, Professional Service
Competitive Prices
And Much More!

Request a Quote

First Time Buyer Home Insurance

Get great value for money First Time Buyers Home Insurance today with InsuraHome!

4 Options available including:
Accidental Damage, Gadget Insurance, Legal Expenses Insurance, Home Emergency Cover...see all

Quote Policy Wording

First Time Buyers Home Insurance

QUOTE Policy Wording

First Time Buyer Home Insurance

Congratulations on becoming a homeowner for the first time! We understand that buying your first home is an incredibly exciting time but there are many other aspects that you need to learn. For example, getting suitable home insurance to protect your first property from unforeseen incidents.

So, you might be wondering: “what is first time home buyer insurance?”. As in the name, First Time Buyer Home Insurance is a specialist Home Insurance policy for individuals who have become homeowners for the first time.

Here at InsuraHome, we are here to help new home buyers to find the appropriate home insurance policy that meets your needs. For peace of mind, request a quote for First Time Home Buyer Home Insurance today by clicking the 'Get a Quote' button below today!

Do I need Home Insurance?

Surprisingly, First Time Buyer Home Insurance isn’t a legal requirement, however, it’s highly likely that having appropriate Buildings Insurance is a requirement of your mortgage. Due to this, it’s important you get a First-Time Home Buyers Insurance policy to make sure you are not breaking the terms of your mortgage.

As a first-time home buyer you may feel like you need a bit of help buying your first Home Insurance policy and you might prefer to speak on the phone to InsuraHome about finding a policy that meets your needs, rather than buying a policy online.

As there are a lot of additional costs associated with buying your first home, we can even help you spread the cost of your new Home Insurance over 12 months via direct debit.

Click Here to Request a Quote >>>

Or speak to an InsuraHome First Time Buyer Homeowners Insurance specialist by calling +44 (0) 1483 806 815

Do I need Buildings or Contents Insurance or both?

As a new home buyer, you may not know that Household insurance is commonly split into 2 distinct types. Buildings Insurance protects against damage to the structure and fittings of the building. Fitted kitchens, sinks and other sanitaryware are examples of what would be protected under Buildings Insurance.

Contents Insurance protects the items inside the home. Contents includes everything you would pack up if you were moving, so TVs, cutlery & crockery and furniture are all examples of what would be covered under a Contents Insurance policy.

A Buildings and Contents policy would cover both the elements under one policy.

Please be aware that valuables cover is usually limited to a percentage of the overall sum insured. So, on the InsuraHome First Time Buyer Home insurance policy it is 20% of the total contents sum insured. This is further limited to £2,000 per item, unless that specific item that exceeds the limit is declared and accepted by insurers (potentially with an additional premium) and noted on your schedule.

Click Here to Request a Quote >>>

Or speak to an InsuraHome First Time Buyer Homeowners Insurance specialist by calling +44 (0) 1483 806 815

Why Would I Need a Contents Only Insurance Policy?

If you are buying the leasehold on the property, as is common when buying a flat, then you are likely only to require Contents Insurance. This is because the freeholder should have a Buildings Policy in place. You may need to provide evidence of this policy to your mortgage provider, so it’s worth checking with the freeholder.

Are Valuables Covered Under a Contents Policy?

Yes, they usually are, although different policies may have slightly different definitions of what a ‘valuable’ is, they will generally include: jewellery, watches, collectibles, antiques, pictures and works of art. However, you will need to check your policy to make sure it meets your needs in terms of covering your valuables.

Be aware that valuables cover is usually limited to a percentage of the overall sum insured, for example on the First Time Buyer InsuraHome policy it is 20% of the total contents sum insured. This is further limited to £2,000 per item, unless that specific item that exceeds the limit is declared and accepted by insurers (potentially with an additional premium) and noted on your schedule.

Or speak to an InsuraHome First Time Buyer Homeowners Insurance specialist by calling +44 (0) 1483 806 815

Contact Us

If you wish to speak to one of our InsuraHome First Time Buyer Insurance specialists:
Call: +44 (0) 1483 806 815
Email: info@insurahome.co.uk
(Open 9.00am-5.30pm, Monday-Friday, excluding English Public Holidays).

For Claims information, please click here

How do I get an InsuraHome First Time Home Buyer Insurance Quote?

At InsuraHome we like to provide you with first class customer service to ensure you are getting the protection you require.

To get an InsuraHome First Time Buyer Home Insurance quote click the ‘request a quote’ button and complete the online form. Alternatively download and complete an application form located on the ‘Policy Documents’ page and email it to info@insurahome.co.uk.

If you'd prefer to speak to someone, do not hesitate to call our First Time Buyer Home Insurance specialists on +44 (0) 1483 806 815 and we will be happy to provide you with a quote over the phone.

Click Here to Request a Quote >>>

Or speak to an InsuraHome First Time Buyer Homeowners Insurance specialist by calling +44 (0) 1483 806 815

Why Choose InsuraHome Insurance

InsuraHome features a range of great benefits as standard. InsuraHome also features some great add-ons for you to tailor your policy and so you only pay for the additional cover you need.

Loss or Damage caused by Fire, Smoke, Explosion, Lightning or Earthquake
Loss or Damage caused by Storm, Hail or Weight of Snow
Loss or Damage caused by Flood
Loss or Damage caused by the escape of water
Cover for Theft or Attempted Theft
Facility to transfer any no claims history from a previous insurer
A choice of policy excess – £100, £250, £500 or £1,000
Covers the cost of alternative accommodation if your property is left uninhabitable due to an insured event
Cover in case of Subsidence, Heave or Landslip is available
Accidental Damage cover is available
Online Policy Documentation
We don't store credit card details
+ Lots more

More InsuraHome Details

Here at InsuraHome, we aim to provide cover when other Home Insurers say no!

What's more, we can provide Home Insurance for Home's that do not fall into the criteria to be termed a 'Standard Household'. So whether it's a Holiday Home in Europe, a property that has a non-standard construction type, or you have challenging personal circumstances, we can offer policies to you.

We review each and every application on a personal, case by case basis, customising your specialist Home Insurance to meet your individual needs! Our highly trained Home Insurance specialists will provide you with a fast, friendly, and professional service at competitive pricing.

Please Note - When purchasing Home Insurance you will be required to provide the rebuild cost of your home to the insurers. If you are unsure of your rebuild cost, please either request a rebuild cost assessment from a chartered surveyor or use the Rebuild Cost Calculator below

Rebuild Cost Calculator

House Rebuild Costs

When taking out Home Insurance, you are insuring your house for the cost of rebuilding it to the same standard as it is now, you are not insuring it for its value on the open market. When quoting you for a Home Insurance policy we will ask you for the rebuild cost of your home.

If you are not sure how much it would cost to rebuild your home then you can either have a rebuild cost assessment carried out by a Chartered Surveyor (which some insurers prefer) or you can use the house rebuild cost calculator below.